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Price (delayed)
$106.35
Market cap
$5.44B
P/E Ratio
27.77
Dividend/share
$0.9
EPS
$3.83
Enterprise value
$21.21B
PennyMac Financial Services, Inc. is a specialty financial services firm with a comprehensive mortgage platform and integrated business focused on the production and servicing of U.S. mortgage loans and the
Highlights
The revenue has increased by 5% from the previous quarter
PFSI's equity is up by 5% YoY and by 2.5% from the previous quarter
PennyMac Financial Services's EPS has decreased by 27% YoY but it has increased by 25% from the previous quarter
The company's net income rose by 26% QoQ but it fell by 26% YoY
The debt has grown by 26% year-on-year and by 11% since the previous quarter
The price to earnings (P/E) is 11% higher than the last 4 quarters average of 24.9
Key stats
What are the main financial stats of PFSI
Market
Valuations
Earnings
Shares outstanding
51.19M
Market cap
$5.44B
Enterprise value
$21.21B
Price to earnings (P/E)
27.77
Price to book (P/B)
1.48
Price to sales (P/S)
3.68
EV/EBIT
84.75
EV/EBITDA
66.18
EV/Sales
14.39
Revenue
$1.47B
EBIT
$250.3M
EBITDA
$320.52M
Free cash flow
-$2.56B
Per share
Balance sheet
Liquidity
EPS
$3.83
Free cash flow per share
-$50.27
Book value per share
$71.9
Revenue per share
$28.93
TBVPS
$423.46
Total assets
$21.58B
Total liabilities
$17.92B
Debt
$16.36B
Equity
$3.66B
Working capital
N/A
Debt to equity
4.47
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
49.2
Margins
Efficiency
Dividend
EBITDA margin
21.7%
Gross margin
94.5%
Net margin
13.1%
Operating margin
17%
Return on assets
1%
Return on equity
5.4%
Return on invested capital
0.7%
Return on capital employed
N/A
Return on sales
17%
Dividend yield
0.85%
DPS
$0.9
Payout ratio
23.5%
PFSI stock price
How has the PennyMac Financial Services stock price performed over time
Intraday
0.16%
1 week
-0.29%
1 month
-0.87%
1 year
54.83%
YTD
20.35%
QTD
-6.69%
Financial performance
How have PennyMac Financial Services's revenue and profit performed over time
Revenue
$1.47B
Gross profit
$1.39B
Operating income
$250.3M
Net income
$193.59M
Gross margin
94.5%
Net margin
13.1%
PennyMac Financial Services's operating income has increased by 32% QoQ but it has decreased by 31% YoY
PennyMac Financial Services's operating margin has decreased by 32% YoY but it has increased by 26% QoQ
The net margin has declined by 27% year-on-year but it has grown by 20% since the previous quarter
The company's net income rose by 26% QoQ but it fell by 26% YoY
Growth
What is PennyMac Financial Services's growth rate over time
Valuation
What is PennyMac Financial Services stock price valuation
P/E
27.77
P/B
1.48
P/S
3.68
EV/EBIT
84.75
EV/EBITDA
66.18
EV/Sales
14.39
PennyMac Financial Services's EPS has decreased by 27% YoY but it has increased by 25% from the previous quarter
The price to earnings (P/E) is 11% higher than the last 4 quarters average of 24.9
The price to book (P/B) is 35% higher than the 5-year quarterly average of 1.1 and 23% higher than the last 4 quarters average of 1.2
PFSI's equity is up by 5% YoY and by 2.5% from the previous quarter
PFSI's price to sales (P/S) is 116% higher than its 5-year quarterly average of 1.7 and 22% higher than its last 4 quarters average of 3.0
The revenue has increased by 5% from the previous quarter
Efficiency
How efficient is PennyMac Financial Services business performance
The company's return on invested capital fell by 46% YoY but it rose by 17% QoQ
The company's return on assets fell by 33% YoY but it rose by 25% QoQ
PennyMac Financial Services's ROS has decreased by 32% YoY but it has increased by 26% from the previous quarter
The ROE has contracted by 28% YoY but it has grown by 26% from the previous quarter
Dividends
What is PFSI's dividend history
DPS
$0.9
Dividend yield
0.85%
Payout ratio
23.5%
Recent dividends
Special dividends are included in TTM DPS and yield
Financial health
How did PennyMac Financial Services financials performed over time
PennyMac Financial Services's total assets is 20% more than its total liabilities
PennyMac Financial Services's total liabilities has increased by 24% YoY and by 10% QoQ
PennyMac Financial Services's total assets has increased by 20% YoY and by 9% from the previous quarter
The debt has grown by 26% year-on-year and by 11% since the previous quarter
PFSI's debt to equity is up by 20% year-on-year and by 8% since the previous quarter
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise
specified. Data from 
and Sharadar.